HDFC Diners Club Black vs Kotak Royale Signature vs Canara RuPay Select
Side-by-side credit card comparison to help you choose the best one.
Our Pick
HDFC Diners Club Black
4.9
Why this card wins: Travel & Dining — 5X reward points on every ₹150 spent
| Feature | HDFC Diners Club Black | Kotak Royale Signature | Canara RuPay Select |
|---|---|---|---|
| Bank | HDFC Bank | Kotak Mahindra | Canara Bank |
| Card Type | Super Premium | Premium | Entry Level |
| Annual Fee | ₹10,000 + GST | ₹999 + GST | ₹500 + GST |
| Joining Fee | ₹10,000 + GST | ₹999 + GST | ₹500 + GST |
| Rewards | 5X reward points on every ₹150 spent | 4 reward points per ₹150 on all spends | 1 reward point per ₹100 spent |
| Best For | Travel & Dining | Travel & Entertainment | Budget Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹5,00,000 - ₹20,00,000 | ₹1,00,000 - ₹5,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | 5000 reward points + ₹500 Taj voucher | 500 reward points on activation | None |
| Min Income | ₹1,50,000/month | ₹25,000/month | ₹12,000/month |
| Lounge Access | Unlimited domestic + international | 8 domestic + 2 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 2.0% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.9 | 4.3 | 3.8 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
HDFC Diners Club Black
Travel & Dining
Diners Club • Super Premium
- Unlimited domestic & international lounge access
- 10X rewards on SmartBuy portal
- Complimentary annual memberships worth ₹10,000+
- Golf privileges at 200+ courses worldwide
Kotak Royale Signature
Travel & Entertainment
Visa Signature • Premium
- 8 complimentary domestic lounge visits per year
- 2 complimentary international lounge visits
- 1% fuel surcharge waiver
- Milestone benefits on annual spending
Canara RuPay Select
Budget Users
RuPay • Entry Level
- RuPay UPI linkage supported
- Fuel surcharge waiver up to ₹100/month
- Personal accident insurance ₹5 Lakh
- Easy EMI conversion available
Verdict
Based on rating and overall value, HDFC Diners Club Black ranks highest among your selected cards. It excels at Travel & Dining and offers 5X reward points on every ₹150 spent.